The Ramsey Show - App - My Gazelle Hit a Brick Wall!

Episode Date: April 15, 2022

Dave Ramsey & George Kamel discuss: Choosing between job opportunities, Why whole life insurance is a BAD idea, How to save more money. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host, George Campbell, Ramsey personality, host of the Fine Print podcast on Ramsey Networks, is my co-host today as we answer your questions about your relationships, mental health, family, money, jobs, career. It's all right here on the Ramsey Show. Thank you for joining us. Open phones at 888-825-5225. Starting this hour off is Lauren in Cleveland, Ohio. Hi, Lauren.

How are you? Hi, I'm great. How are you all doing? Better than we deserve. What's up? I have a question about I've been working recently for a temp agency. And around that same time, I got an offer for a temp agency. Um, and around that same time, um, I got an offer for a permanent position. Um, so I accepted the permanent position. I've been doing that kind of part-time

in the evenings after working the temp job. Um, but at the temp job, and I'm trying to keep this really clear, but, um, I, I've been making $23 an hour at the temp agency and $22 an hour at the permanent position. Today was supposed to be the last day with the temp agency, but it turns out that the person that I was covering for is no longer able to come back. So they offered me $26 per hour to try to keep me there. That being said, I don't think that it would be wise to do that because I know that with the permanent position, I'll have PTO, I'll have benefits. It's also closer to home for me. But I'm also just kind of curious if there might be a tactful way to go back to my manager or whoever at permanent jobs, to ask if I could get more money.

So you want to negotiate for the full-time job and say, hey, they're offering me $26,000, you guys are offering me $22,000. Is there a way that we could get this income up before I accept? Yeah. Now, you've already accepted the permanent, right? Yes. Oh, that's a different situation. What are the hours on the permanent? It's Monday through Thursday, 7 to 4.30 and 8 to noon on Friday. Okay. And so the temp position is at night?

It kind of flips-flopped right now i've been doing the temp job from 7 to 3 30 and then when were you going to convert uh tomorrow oh okay and so now you've now you're gonna first thing is you're gonna walk in um if you keep the temp job you're gonna have to walk in and tell your permanent employer you can't do the hours you told them you were going to do? Well, I wasn't really even contemplating accepting the temp job. Oh, I see. You just now know that the marketplace is allowing this. Okay.

Yes, exactly. No, I think you made your deal. Okay. I think you're just going to work tomorrow at the new place. But I would begin a conversation with your supervisor and just say, hey, I'm really motivated right now, buy money, because I'm trying to get out of debt and I'm trying to hit some goals. So would you please coach me and tell me what i can do here to make myself more valuable because i really want to earn i want to earn the right for you guys to walk in and say hey you're worth

more money yeah okay and instead of going hey i'm going to blackmail you because these people over here are going to pay me 26 oh man okay you know what i'm saying if you go how can i think about it if the if the roles were reversed and you had someone that was working for you if they come in and say hey tell me how i can be worth more so you're willing to pay me more yeah that's good instead of um i think I can get 26 over at the temp. Could you give me a raise? Neither one are immoral statements. Just one is way more persuasive than the other and is more of a long-term play because it indicates I want to add value to this organization. I don't want to just be a taker.

I want to be a giver. Very different spirits there. One feels like you're negotiating a craigslist deal on a couch the other one feels like oh this is a real person an employer and this is a long term relationship that i value yeah that's a good point because the craigslist on the couch is a good metaphor for transactional yeah well the other guy's giving me 26 so uh how about we meet you know if you're gonna listen i i do my best over the years and i've made the mistake a few times but not many times to not hire someone who's looking for an extra nickel.

They're looking for an opportunity. They want to plug into this crusade. They want to plug into the wonderful missional things that we're doing here helping people. And the money is just a byproduct. And, you know, many, many, many, many times you've had, what, five or six different positions here. Yeah, maybe more than that in nine years. And what you've done in each case is you've earned the right to move into another role to earn more money you never came and said oh look at hey i'm really talented look at talented george you didn't do

that although you're very talented i appreciate that well i was once a temp just like her so i i feel what she's feeling going well at this point in this stage of the game you know the more money that really means a lot to me but your attempt here how long ago yeah that was uh 2013 i was an intern in attempt okay nine years ago so there's your path that's the kind of thing we're talking about here and um yeah and believe me he ain't making 26 an hour i can just tell you that back in the day i mean i was back in at least 24 50 no i'm kidding but for my first job this was i was like oh my gosh someone is willing to pay me full time to work somewhere. And so I was just so excited.

You know, your first big boy job and salary and benefits like she's talking about. And over time, you know, if you've got the right work ethic, the skill set, the talent, you're great to work with growing. You grow and mature. And so I think I think that's going to happen for our friend Lauren over here over time. How can I add value? Not what can I extract? And it's a whole different spirit. Dean is in Yakima, Washington.

Hi, Dean, how are you? I'm sure I said that. Good afternoon, good, I'm good. What's up? Hey, Dave, recently found out that I have a small pension from the Teamsters that I, for a union job, i worked back in the late 80s uh they're offering several different ways to pay this out i don't think i can take a lump sum on it um so my thought process was take the larger money now and then at 65 it drops quite a bit take as fast as you can

get the faster you can get it's better lump you can get it, the better. Lump sum is the fastest, but they're not offering that. No. And then what's the next fastest? Nine different options. Oh, good lord. Okay. So yeah, just whichever way you get the most money, the fastest is the one you want. Yeah, I'm thinking it's like $360 a month until i turn 65 and then after that it drops to 67 and that would you know that's that gives me five years of of uh 367 a month i can invest that in like a roth exactly you drop that into a roth ira roll it's not a rollover

but you just use that money act like like you never got it, and effectively what you're doing is moving it systematically over a five-year period of time, right? Yes. Is that the biggest offer they're giving you? That's the big boy of the nine? Well, yeah, that's a life only pension.

It takes the life out of the death benefit, but I've got $500,000 life insurance on me. I want to get it as fast as I can get it, regardless of the death benefit, but I've got $500,000 life insurance on me. I want to get it as fast as I can get it, regardless of the death benefit. Fastest I can get it. As much as I can get it, as fast as I can get it. This is The Ramsey Show. Did you know, statistically, when it comes to life insurance and protecting your family, that women are more likely to be uninsured or underinsured than men.

This doesn't make any sense. Women make up half the workforce, contribute mightily to family incomes, and in many cases are the breadwinners and take care of their families 24 hours a day. This is one of the most overlooked areas when it comes to financial planning. Maybe it's a relic of the past, but a loss of income or the need to replace family care is equally important for women as it is for men. Single moms, working moms, and stay-at-home moms all need term life insurance. Rates are actually lower for women, which is why I send you to Zander Insurance.

They shop the top term life companies to find the lowest rates available. You can compare rates online at zander.com or call 800-356-4282. This is something every family has to deal with. That's zander.com or 800-356-4282. Guys, if you're wondering whether to buy or sell a home this year, we've got some answers. You can expect the market to be a lot like last year, prices still kind of cray-cray. Interest rates are expected to go up up and what can you make of all this well if you're buying a home you might be up against some heavy competition and hefty price tags and increasing interest rates and if you want to sell a home chances are it's going to sell

quickly top dollar of course that all depends on where you are every real estate market's different but to win in any market what you really have to know what you're doing, so you need to work with someone who knows what they're doing. You have experienced real estate agents at your fingertips through our endorsed local provider program. As Ramsey Trusted Pros, they care about your values and keeping more money in your pocket. Check out ramseysolutions.com slash agent. This is not amateur hour. It is not a time to go it alone out there.

You need a pro and not a beginner. Somebody that does a lot of transactions and knows their stuff in your corner. Ramsey Trusted Agents are just that, ramseysolutions.com slash agent. Kathy is on the line in Buffalo, New York. Hi, Kathy. Welcome to the RamseySolutions.com slash agent. Kathy is on the line in Buffalo, New York. Hi, Kathy. Welcome to the Ramsey Show. Hi, Dave and George. I feel so very blessed to be able to talk to you.

How are you guys doing today? Great. How are you? I'm good. So I'm going to try to keep my question as brief as I can. I'm a registered nurse. I've been one since 2007. I'm a single mom with no support from my son's father.

I have been on track to get all my debt paid off. And I'm also a veteran. I was in the Army and had an injury that resulted in an increase in my disability from 10% to 70%. The amount that I got from the disability increase is I'm holding onto that so that I could pay my student loans off. In August of 2021, I was injured significantly. I shattered my elbow and it required surgery, which then has left me with minimal use of my arm.

I'm at the point now where I'm realizing that my recovery is not going as well as I thought. Had the injury not happened, I would have paid my student loans off and only been left with the debt on my house. And now I'm confronted with do i hold on to the money or do i go ahead and pay my student loans off keeping um my thousand dollars in my emergency fund i'm sorry tough time it's a tough thing you've been through, and all the pain to boot. Thank you. So two different injuries, one when you were serving and one as a nurse.

Yes. Okay. Unassociated with each other. Right. Yeah. Okay. All right. What's the balance on the student loan?

Approximately $13,000. What were you making before you got injured this time? Well, this year was the first year that I cleared over six figures. My growth was around $105,000. What type of nursing were you doing? I was working at a cancer hospital in Buffalo and doing clinic work. Okay, so you're interfacing with patients directly. Correct.

Okay, and so the use of your elbow becomes a really big deal in that setting. The problem that I'm having is i i could probably do administrative stuff but in order to be medically cleared to go back to the job that i have they won't allow me to come back light duty which means i have to be able to function in 100 capacity um including bedside nursing and that's not something i can do yeah so you may need to change jobs and but i but i bet you there's some administrative type nursing that you can do with this limited mobility can't you um i believe so yes yeah yes and i'm looking at my options there's all these case managers yeah um care coordinators uh legal nurse consultants so i'm aware of those yeah um my

question really lies in the fact that i'm uh i have an amount that i could pay my student loans off well here's the thing the the shakier your future income is the scarier the idea of plumping that down on the student loan is. Agreed? Absolutely, yes. So let's solve the future income issue and then plump it down. You need to decide what you're going to be doing next because you're not going back to the old job. Okay, because it does give me a bit more security mentally and emotionally. Yeah, but I'm not going to sit there and burn through the money.

I want you to go get a new job. Right. Now. Right. Now. Okay. Okay. I kind of have the feeling this is the first time you've said all this out loud, even to yourself. Well, no, to myself. You're not going back there.

You're the first person I've ever said it out loud to somebody else. I know, but you're not going back there. Have you said that out loud to somebody else. I know, but you're not going back there. Have you said that out loud to yourself? Because that breaks your heart a little bit, doesn't it? Yeah, I'm grieving. Yeah. I'm grieving that part of it, yeah. Yeah, not only the pain and the injury.

And I really don't want to believe that this is it. Yeah. Oh, yeah. It's not it it's just time for a change because the the elbow's not going to do the thing that you did before is what you told me now i'm not a medical person i was going with what you said no i you're correct okay well you're correct is what we're saying so um yeah but it's still it's it's part of the i mean the injury you you got hurt and then you have the actual physical pain but there's also the emotional pain of all this change that this forces on you and after you've been struggling

and fighting and scratching and clawing as a single mom it's just not fair you know it's just it makes me mad and it's not even me you know yeah i've gotten past that okay all right the hope is that we heal you got done with the pity party already okay we agree i've moved on over. Yeah, this isn't forever, but the hope is that you heal up and we get you back to doing exactly the thing you want to do. But for now, we've got to have a new picture of what this looks like in the season as you heal, and that looks like finding that new job, getting stable, getting rid of the debt,

and then we're in a whole different place. The absolute saving grace wonderful news of this whole conversation, and you already know this, but I'm going to say it out loud, is that you happen to have picked a career that gives you almost infinite options. There's a thousand different things you can do as a nurse. You know? Thank God you're not a doctor that's a specialist and can only do one thing. You know, thank God you're not a doctor that's a specialist and can only do one thing. You know, there's a thousand different.

A labor worker that needed that elbow to be able to do my job. Yeah, yeah. But there's a bunch of different things you can do with that elbow messed up that may make you as much or close. And once you land that, then plunking the money down on the student loan is a no-brainer. Agreed? Agreed. Yeah, but I'm with you. I'm okay to say we're in the middle of a storm student loan is a no-brainer. Agreed? Agreed. Yeah, but I'm with you. I'm okay to say we're in the middle of a storm, so we're going to push pause.

We're not going to be lazy about this. We're going to address the issue. I mean, like you said. No, I agree with that, and I'm just having a hard time mentally switching from I've been in gazelle-intense mode to get all my gut paid off, and then all of a sudden my gazelle hit a brick wall. Yeah, your gazelle broke its elbow. Perfect analogy.

Yes. So we give the gazelle a break and let him heal and let her heal, and then we restart and you know you're but you're you're done we've just got to stabilize the situation to write the check is all and and then you're going to be able to do it i i cry with you i can't imagine what you're going through you're you're a warrior warrior princess i'm proud of you. You keep fighting it, girl. Don't let up. Don't let down. So I can tell by the way you addressed all this. You're pretty incredible.

I think in a year from now, you're going to look back and go, Oh, well, this is the Ramsey Show. We'll be right back. George Campbell Ramsey personality is my co-host today. Open phones as we talk about your life and your money. 888-825-5225. Ruben is with us in Green Bay, Wisconsin. Hi, Ruben. Welcome to the Ramsey Show. Hi, Mr. Ramsey. How are you doing today? Better than I deserve, sir. How can I help?

Fantastic. So, first my question, and then I'll fill in a couple of blanks. I am getting ready to go into a new field. It's life insurance. I'm getting ready to take my state exam. I've been studying for the last month. And this is final expense insurance. I'm going to take my state exam. I've been studying for the last month. And this is final expense insurance. And I'd recently heard on one of your shows, you kind of had spoken against whole life insurance. This is really a brand new landscape for me. So I really don't have a lot of frame of reference. I guess I just want to make sure I'm getting into something that's, you know, noteworthy and, you know, going to be something I can stand behind. The insurance company I'm getting ready to

pay with is called Lincoln Heritage. So that is, that's kind of what's going on currently. Just a little background, like on a personal, I'm 44, just turned 44. I am on my just over two years clean from a 20-year heroin addiction. Wow. Definitely a late bloomer here. I had a dependency issue with chemicals for a long time, uh, jails institution. And then finally death. Uh, I was revived. I ended up going into a faith-based recovery program and totally got healed, set free. And, uh, Jesus is my Lord and savior. Thank you, Lord. Second, second chance in life. I really feel, and I just want to, you know, I'm trying to, um, it's more than just

about money to me. It's about breaking generational things. I've got children. I just have so much to be thankful for, so much writing on all of this. I have a great church I've been plugged into. And they were the ones that first exposed me to your podcast and to Baby Steps. Actually, I lost my job right before Christmas. What were you doing? And I was actually selling for budget blinds.

So you're a people person. I love it. You love people. Yeah, going into people's house and just kind of connecting with them. Sometimes I really felt like the secondary reason I was there is to help them with window treatments or whatever. But, yeah, it was definitely fulfilling. Well, you're a hero, Ruben, man. I'm proud of you.

Way to go. So let's do a couple of things. This is a decision you have to make you don't make it because i said to you've got to gather facts but you're calling me and saying uh it bothered you that i tell people not to buy whole life and you're signed up to become a salesman for it so that's throwing you off um well i guess it's industrial life right because it's final expense insurance so i don't know if it's one in the same. I have no idea. I mean, I do have an idea in that I'm studying.

I understand that whole life is different than industrial and self-employed. Does the insurance that you're selling have a cash value? It does. Okay. Then it's a type of whole life or cash value product. There are various types. I mean, there's universal life. There's variable life. There's variable life there's whole life there's industrial i mean but anything that has a cash value in it is where i'm going to have a problem okay okay um and i'm not going to end this call

i i think you're an amazing man and i don't want to end this call trash your dreams of what you're going for for your career but i'm going to give you a whole bunch of stuff to work on and decide for yourself. Number one, I'm going to give you a copy of Ken Coleman's new book, From Paycheck to Purpose, because that's the move you're trying to make. You're trying to get into something that has meaning and purpose because your life has a whole fresh start. You're seeing things with cleaner eyes than you have ever seen because of your journey, and it's a wonderful place in your journey that you are, and we want to assist you in that. And so that book is in case I talk you into quitting before you start.

Okay? Okay. So the product, the reason I don't like the product is this. The way it works mathematically is not a good deal for the person that buys it. And I'll explain it to you, okay? Whole life traditional cash value insurance is 20 times more expensive for the same amount of coverage of life insurance. And so let's say you were going to buy a $200,000 policy. If it was $100 a month for whole life, it would be $5 a month for term insurance. Right.

Okay. Now, where does the other $95 go? Well, it goes to build up this cash value inside the policy. It's a savings account inside the policy. In and of itself, that's not a bad problem, except that the fees are ridiculous in the whole life world. Now, I don't know the particular product you're selling, but the typical whole life policy, the first three years,

your cash value buildup is zero, which means they kept your $95 a month that you put in the savings account because it was zero, upfront fees, okay? The second thing is the rate at which the money accrues is somewhere around 1.2% according to Federal Trade Commission studies. The rate of return on your savings account sucks as a long-term investment, and this is a long-term play. And the third problem is this. When you die after paying $95 extra per month, $5 bought the insurance,

and you're paying 95 extra for savings, they pay the face value of the policy, in this case $200,000. So if you've built up after you got through the three zero years and you got a horrible rate of return and you keep putting 95 in there and you built up $20,000 in cash value and you die, they send your beneficiary, your spouse probably, $200,000. What happens to your $20,000 savings account that sucked?

They keep it. And so this is like going down to the bank and opening a savings account that the first three years you put money in it, they keep your money. After that, they give you a lousy rate of return, and when you die, they keep your money. It's a horrible way to save money. And so consequently, the people that you're talking about going to work for hate me with a vengeance because I tell people not to buy what they sell every day and have for 30 years.

The worst, the particular product that you're in or that company I'm not even familiar with, but I'll guarantee you their face is going to turn inside out and explode when you just mention the name Dave Ramsey. So don't mention it because it won't do any good. We don't want anybody's head exploding. I'm not going to make friends like that. If you're going to quit, just quit. Do it with class.

You don't have to go in there and try to change them. You're not going to change them. They're going to keep doing it. They've been doing it for 100 years. And lastly, what I'll do so that you can review this material in detail is I want to sign you up for Ramsey Plus, which is the Financial Peace University class and every dollar app. In that class, there is an insurance lesson that goes into detail on the life insurance portion. So you can learn in detail what we teach about life insurance. And you can't dispute it because it's just math it's a fact and so um consequently no financial planning people unless they're in the insurance business

and call themselves financial planners no one in the financial world pushes cash value life insurance anywhere unless they sell it there's no independent financial people that push the stuff they all say buy the term insurance for five5 instead of the cash value for $100. Do your investing with your $95 difference anywhere else but inside of a cash value policy. You're better off putting it in a fruit jar in the backyard. At least the family can find it and it's there when you die. They don't keep it. Yeah, it's trying to be investing in insurance at the same time,

and it's terrible at both at the end of the day. So if I'm selling this thing, I'm going to have a moral problem knowing how much I know. So ignorance was bliss until now. Ruben just learned a little too much about whole life. I think he can find a better job out there if he loves sales, if he even loves insurance. That's a noble thing to sell, but not whole life. I would stay away. And these companies are like a Northwestern.

It's your buddies from college that want to make a big commission off you. Yeah. Stay away. And again, I tell you never to buy it. And so I know I'm kind of bursting your bubble in the middle of you having this whole recovery journey and everything. And I don't want to do that. I want to say you're a hero. I'm proud of you.

You and I are going to be friends even if you decide to work there. So I'm just you stay with it, buddy. But hang on. Kelly will get you the book for Ken Coleman, and we'll get you signed up for Ramsey Plus. I'm not charging you a thing for any of this, and I'm not going to keep your money when you die. No commission. This is The Ramsey Show. Thank you. Our scripture of the day, 1 Peter 3.15, But in your hearts revere Christ as Lord.

Always be prepared to give an answer to everyone who asks you to give the reason for the hope that you have. But do this with gentleness and respect. Jim Rohn says, if you say something and back it up with your actions, you will provide the proof for people who are listening to you, and they will much more willingly follow your lead. Amen. Open phones this hour.

George Campbell, Ramsey Personality, is my co-host. You jump in, we'll talk about your life and your money. Amber is with us in San Francisco. Hi, Amber. How are you? Hi, I'm good. How are you? Better than we deserve. What's up? Okay, so I had a question that's a little bit complicated uh you would have to know a little bit of my background to like know where i'm coming from basically i'm getting

kicked out of my uh grandmother's house in a month not because of anything i've done i pay rent and everything she just wants her own house to herself. My parents moved up to Idaho all the way up in Bonner, Terry in November. And our relationship is not there. Basically, when I was 12, they put me

to work full-time for their company, construction company, for absolutely no pay up until I was 20. And I got injured and I said, that's it, I'm done. Like, I'm an adult. They knew that the expenses weren't going to go under their names because I was an adult. So I racked up medical bills, basically trying to get better.

So I have two jobs right now, which is in and out in starbucks and uh i just got injured on kickoff and like i have all of this financial pressure on me right now and i'm not exactly sure what to do how old are you i've i'm 23 now okay Okay. What part of San Francisco are you in? I am on the east part of San Francisco. Okay. Living with my grandmother. Yeah, but only for one more month. And you work at Starbucks and where else?

In-N-Out. Starbucks and where? In-N-Out Burger? In-N-Out, yes. Okay. All right. All right. burger in and out yes okay all right all right so um my question was because i bought two of your books it was like how can i basically how can i do more and save more with the situation that i have right now okay well um this sounds very lonely to me

and and a little scary you're probably pretty scared aren't you yeah very much so okay well a couple of observations that are um obvious but i'm just going to say them out loud so we're all dealing with the same hand of cards here. One, you don't make much money because your jobs suck. Two, you live in one of the most expensive cities in the world. Is that fair? Correct. Yeah, that's very fair. One of the things I'm going to want to do mathematically is to help adjust that some way or another.

Do you have relatives that are friendly, not that you live with, but that would give you some emotional support in any other area of the country? I do have two brothers living here, but one of them is actually going to go move up near my parents and take a job there i i refuse to move up north because like at 23 i received my first paycheck ever i'm not asking you to move in with your parents it wasn't what i was suggesting okay i'm just trying to get some emotional support around you and somebody to walk with you because what you're describing to me is terrifying. Yeah. I could.

The only closest thing that I have right now is my uncle that lives here. And they all live there, your brother, your uncle, your grandmother. Yes, my brother, my uncle, and my grandmother. And your parents and your other brother moved to Idaho Okay Correct Well, here's what I would tell you to do You need community And if you were my long lost niece

And you called me I would say let's get you into a good church Where you can get some people around you That love you and walk with you And get some quality humans in your life that are walking with you because you're processing all the pain of your childhood and the distrust of your parents. But number one, you need a great career track.

Right now you're trying to just survive as a barista, and barista jobs are not set up for survival. They're set up for supplement at best and so we need to get a good job that makes a lot more money and so let's start talking about new career new job full-time jobs that aren't fast food uh as soon as possible making more money and then obviously you've got to look for a place to live don't you yes i've been looking out of state and just having friends feel like hey can you loan me some money that way i can make it i'll pay you back when i'm actually set up because california i can't do it okay so you're thinking of leaving california correct okay do you have you do you have any money at all i have about 1500 in savings right now

okay good good okay because you can go work those two types of jobs in other cities in america and it change change your living situation severely um so um but you know being a nanny walking dogs you'll make more than you're making now okay um you know doing anything that moves the needle on the money piece that's legal and moral and doesn't put you in harm's way um is what we've got to look at and yeah i'm i'm really up for you leaving san fran just because it's so stinking expensive, and it doesn't sound like you've got an emotional support system there anyway. And so I'm going to pick out a city, and I'm going to move and make it happen. And, no, you don't need to borrow a bunch of money,

and you don't even need to take a whole bunch of personal items with you. You got a car? No, I do not. Do you have a driver's license? Unfortunately, I do not. Okay. Why? I had left their household back in November, October. It was kind of a rough situation, so I said I'm going to go make it on my own because I have nothing to my name. So have you ever driven a car? I have. My brother and I have practiced, but I have been out with an injury, and I've been working all the time. I've been just working, putting my head down and working nonstop.

I'm so sorry, Amber. Well, it sounds like there's a lot of trauma that you haven't dealt with that I think needs to be a part of this equation as you move and get new jobs. I think there's a lot here that you've got to unpack with a great counselor, a great therapist to walk with you. And I also want to send you a copy of Ken Coleman's book, From Paycheck to Purpose, to help you get on that path to a career that you love, making great money doing it so that we can turn the situation around. So I'll have Kelly pick up. So if I'm you, I'm getting out a yellow pad

and I'm going to start making some survival lists. What are the three things I have to do right now? I've got to get my income up, I've got to get a driver's license, and I've got to find a place to live. Those are survival things that you need to do right now this week you need to go get your driver take your driver's license test and get get past and then you need to be working like a maniac anything you can do

70 80 hours a week for this month that you've got with your grandmother go crazy and if you can get her to give you one more month just to say i've got to pile up some cash so i can get out of here grandmother i get it i know you want the house i know you want me out of here i'm out of here but if you'll give me one more month i can save up the money to get me a little car and i'm going to load it up and i'm going to head east out of California and go find a less expensive place to live than San Francisco and start your life and start a career and start some education and get some counseling for all the things that have happened to you and start the healing process, plug into a good church along the way.

But right now, you need a driver's license, you need a car, you need six jobs. Right now. So you can pile up as much money to solve this as fast as possible. You need sustainability. That's what we're after. I'm so sorry, kiddo. You call back if we can help you. We'll try.

This is the Ramsey Show. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Hey, it's Rachel Cruz, co-host on The Ramsey Show. If you want to do your debt-free scream live on the show, visit ramsaysolutions.com slash debt-free scream. We'd love for you to come to Nashville and tell Dave your story. That's ramsaysolutions.com slash debt-free screen. We'd love for you to come to Nashville and tell Dave your story. That's ramsaysolutions.com slash debt-free screen.